This program is for Detroit homeowners who have owned and occupied a Detroit home for at least 6 months. The Detroit 0% Interest Home Repair Loan Program provides loans to Detroit homeowners looking to complete home repairs or . . . → Read More: Detroit Home Repair Program Insurance

This program is for Detroit homeowners who have owned and occupied a Detroit home for at least 6 months. The Detroit 0% Interest Home Repair Loan Program provides loans to Detroit homeowners looking to complete home repairs or improvements. Homeowners have ten years to pay back the loans, which are provided at 0% interest. That means homeowners pay back only what they borrow.

The program is a city-led partnership with the Detroit Local Initiatives Support Corporation (LISC) and Bank of America. This is a public-private commitment focused on revitalizing Detroit’s neighborhoods. It is designed to help Detroit homeowners address health and safety issues, fix their homes, and eliminate blight.

Who is eligible for the Detroit Home Repair program?

Homeowners must own and occupy their home for at least six months prior to applying.

Low-income homeowners can apply no matter where they live.

Regardless of income, homeowners in designated areas in each city council district can still apply.

The minimum credit score is 560.

Homeowner’s insurance and taxes must be current.

The homeowner must be able to afford the loan payments.

Detroit Home Repair Program was created to:

Help Detroiters borrow money for critical home repairs by providing 0% loans.

What repairs are eligible for Detroit Home Repair Loans program?

If the home has health and safety hazards, those issues must be addressed first before other repairs can be made. •Correcting health and safety hazards (required); •Electrical repairs; •Furnace replacement; •Roof replacement; •Repairs to existing attached or unattached garages and existing driveways; •Plumbing; •Door and window replacements; •Porches and structural support.

How much is available for the Detroit home repair loans Program?

Loans are available between $5,000 and $25,000 for Detroit homeowners who own and occupy single-family homes. Homeowners who own properties with two units, such as duplexes, can be eligible for up to $50,000 as long as they live in one of the units.

Homeowners insurance required for the Detroit Home Repairs Loan program.

If you have been denied insurance for your property two or more times, the program may be able to help you qualify. You may even be able to include the first year’s payment for homeowners insurance in the home repair loan. Two denial letters must be provided, along with a quote from Michigan Basic.

Detroit accident can already be stressful, but this situation can be much worse when you find out the other driver does not have current insurance. We will provide you with steps on what to do when you have an Detroit accident and auto damage with an uninsured driver.

Detroit accident can already be stressful, but this situation can be much worse when you find out the other driver does not have current insurance. We will provide you with steps on what to do when you have an Detroit accident and auto damage with an uninsured driver.

Steps to take when the Detroit accident occurs:

First step check to make sure that you are not injured if you are call 911 to request an ambulance.

Second step turn on your hazard lights or if it is safe to do so and you have them you can put out warning triangles or safety flares.

Third step move out of traffic if the accident is minor and there aren’t any injuries, you should move your auto to an area that is out of the flow of traffic, but close to the scene.

Fourth step call the police if the police does not show up make sure that you exchange information with the other party. If the other person does not have insurance make sure you get their pertinent information.Photo copy of license, contact information and license plate number. Using a smart phone you can take pictures of these items and also damage to the car. If the police show up at the scene this they will get this information and it will be available when you get a copy of the police report. If the police does not show up, try and get as much information as possible so you can later report the information to the police.

Fifth step notify your insurance agent and report the information from the accident.

Detroit accident damage options:

Option 1: Make a claim with Michigan Small Claims Courts . The maximum amount you can sue for in small claims court is $5000 this amount was increased in September of 2012. This means you can sue for up to $5,000 in small claims damages. You will need to file the fees and initiate this process with the court. That is why it is important to have the contact information of the other person. This process can be done without an attorney.

Option 2: If damages exceed $5000 then you will need an attorney to start a claim in Civil court to recover your damages.

Option 3: Call your agent and make the claim through your own company. There should not be a penalty if you were not at fault in the accident. This will usually be the quickest option, because it may take a long time get paid from the other party when you go through the court system. It is likely that a person who is driving without insurance will not have the money to pay if sued. The downside to this option is that you will have to pay your deductible, if you have standard or limited collision on your policy.

Detroit accident with Hit & Run:

If the other party leaves the scene your only option, will be Option 3: Call your agent and make the claim through your own company

If you are involved in a Detroit accident and the other person has insurance you will need to get their information so you can file a Michigan mini-tort claim , to get your deductible. The highlighted explains the mini tort claim process to recover your deductible.

]]>http://e-detroitinsurance.com/2015/detroit-accident-uninsured-driver/feed/0693http://e-detroitinsurance.com/2015/detroit-accident-uninsured-driver/Secretary of State New Express Servicehttp://feedproxy.google.com/~r/E-detroitInsurance/~3/hBXwVb1Bk9Y/
http://e-detroitinsurance.com/2011/secretary-state-express-service/#respondThu, 03 Nov 2011 19:42:22 +0000http://e-detroitinsurance.com/?p=462Michigan Secretary of State Express Service

Effective October 19, Michigan Secretary of State (SOS) offers a number of services that can be completed online. Michigan residents will now be able to complete many transactions online that previously required visiting a branch office, including:

Effective October 19, Michigan Secretary of State (SOS) offers a number of services that can be completed online. Michigan residents will now be able to complete many transactions online that previously required visiting a branch office, including:

* Renew or replace standard state driver’s licenses and ID cards. For most transactions and online service you will need to create an online profile and you will need to provide:

The last four digits of your Social Security number

Your driver’s license number

Your date of birth and eye color

* Change their address when they move
* Order multiple copies of vehicle registrations and titles

SOS will accept the following forms of payment: Visa, MasterCard or Discover debit or credit cards.

Visit Michigan Secretary of State Express service:

To encourage broader use and reduce demand in the SOS offices, the Secretary of State is rolling out an awareness campaign with billboards, radio spots and, online advertisements and is billing it as the “ExpressSOS: The online, no-wait Secretary of State.”

For questions regarding Michigan drivers license visit our post on Michigan Drivers license for all frequently asked questions and to be directed to the Michigan SOS website.

Because licenses and ID cards are valid for four years, the existing card design will remain in circulation through 2015, with some vertical Graduated Driver License cards in circulation through 2016. Cardholders will be issued a new license when they renew or if they need to replace a lost or damaged card.

The cost of a license and ID card will not change. A basic driver’s license costs $25 for an original standard license and $18 to renew. A chauffeur’s license costs $35 for the original and to renew it. Drivers with motorcycle or Commercial Driver License group designation endorsements face additional fees. Personal ID cards cost $10 for an original and to renew, unless the card holder is eligible to have the fee waived.

]]>http://e-detroitinsurance.com/2011/michigan-secretary-state-updates-drivers-license/feed/0410no Drivers license updated in Michigan The basic look of the new license and ID card includes an intricate line pattern and outline of the state of Michigan with the Great Lakes. If a person has joined the Michigan Organ Donor Registry, a red heart symbol a Drivers license updated in Michigan The basic look of the new license and ID card includes an intricate line pattern and outline of the state of Michigan with the Great Lakes. If a person has joined the Michigan Organ Donor Registry, a red heart symbol and the word “Donor” will appear on the lower . . . &#8594; Read More: Michigan Secretary of State updates drivers license This is a post from E-Detroitinsurance.com Detroit Auto Insurance, Detroit auto insurance, Detroit car insurancehttp://e-detroitinsurance.com/2011/michigan-secretary-state-updates-drivers-license/Driver Responsibility in Michiganhttp://feedproxy.google.com/~r/E-detroitInsurance/~3/qc4HtWVFKcQ/
http://e-detroitinsurance.com/2011/driver-responsibility-michigan/#respondWed, 11 May 2011 10:58:56 +0000http://e-detroitinsurance.com/?p=451Michigan Driver Responsibility What is it? The Driver Responsibility Program calls for monetary sanctions for drivers who: Accumulate seven or more points on their driving record (Category 1), or Are convicted of specific qualifying offenses (Category 2) Only driving offenses with arrest or incident dates on, or after, October 1, 2003, will be counted. . . . → Read More: Driver Responsibility in Michigan

The Driver Responsibility Program calls for monetary sanctions for drivers who:

Accumulate seven or more points on their driving record (Category 1), or

Are convicted of specific qualifying offenses (Category 2)

Only driving offenses with arrest or incident dates on, or after, October 1, 2003, will be counted. Points accumulated prior to October 2, 2003 are not eligible for consideration under this new law.

Driver Responsibility Catergory 1 points:

Category 1 offenses, such as speeding, improper turns, and following too closely, are assessed a fee based on the number of points on the driving record, with a required minimum of seven points. The fees assessed begin at $100 and increase by $50 for each additional point above seven points.

7 Points $100

8 Points $150

9 Points $200

10 Points $250

11 Points $300

12 Points $350

13 Points $400

14 Points $450

15 Points $500

Drivers assessed a fee for seven or more points under Category 1 will be assessed only once per year. Category 1 fees will not be assessed in any year in which the number of points on a driving record falls below seven.

Driver Responsibility Catergory 2 points:

Certain offenses are classified as “qualifying offenses” and carry their own driver responsibility fee independent from the number of points on the driving record. Drivers convicted of qualifying offenses will be assessed a driver responsibility fee of $150, $200, $500 or $1,000 for two consecutive years. The amount is determined by the relative seriousness of the offense. For example:

Drunk Driving (Operating While Intoxicated) = $1,000

Reckless Driving = $500

No Proof of Insurance = $200

Drove While License Expired = $150

Points from Category 2 offenses and convictions are NOT counted toward the point total for Category 1.

Multiple driver responsibility fees are assessed if a driver is convicted of multiple qualifying offenses under Category 2.

Driver responsibility fees are assessed for two consecutive years for Category 2 convictions. The second year’s fees will be assessed on the anniversary date of the first year’s fees.

]]>http://e-detroitinsurance.com/2011/driver-responsibility-michigan/feed/0451http://e-detroitinsurance.com/2011/driver-responsibility-michigan/Detroit Home Based Business Insurancehttp://feedproxy.google.com/~r/E-detroitInsurance/~3/COG74GZ3A6c/
http://e-detroitinsurance.com/2011/home-based-business-insurance/#respondTue, 03 May 2011 10:32:32 +0000http://e-detroitinsurance.com/?p=102Detroit Home Based Businesses Need Business Insurance

The dream of owning a business is becoming a reality for thousands of people each year. For many of these would-be captains of industry, that means starting the operation at home. However, your enterprise may be in jeopardy if you don’t have business insurance.

The dream of owning a business is becoming a reality for thousands of people each year. For many of these would-be captains of industry, that means starting the operation at home. However, your enterprise may be in jeopardy if you don’t have business insurance.

You need business insurance because most homeowners policies place limits on business-related exposures. For instance, a copier or fax machine used for business and damaged in a fire may not be fully covered under your homeowners policy because it is considered business property.

Also, the homeowners policy does not cover business liability, loss of income, exterior signs and many other important items. If a client were injured at your home while conducting business, your homeowners policy would not apply. Anyone who operates a home-based enterprise and does not have the proper insurance coverage is putting his or her business and personal assets at risk.

Detroit business insurance may provide many or all of the coverage listed below:

Liability of employees while acting within the scope of their employment.

Many entrepreneurs start their businesses on shoestring budgets and try to cut corners by keeping expenses at a minimum. But when you consider what you get, business insurance becomes a tool you can’t afford to work without. Don’t put your business at risk by not having the required insurance to make sure that your business and property are fully protected.

More information on Detroit business insurance:

Click the highlighted link form more information about Detroit insurance or you can contact a local business insurance agent to get more information, call 248-888-1134 to see how much insurance your business may need.

You will need homeowners insurance if you are planning on purchase a house or condo in Detroit.

Talk to your agent to make sure that you have adequate coverage for your home and belongings. The mortgage company will require that you have homeowners insurance and that the coverage on your home has . . . → Read More: Detroit Homeowners insurance info

You will need homeowners insurance if you are planning on purchase a house or condo in Detroit.

Talk to your agent to make sure that you have adequate coverage for your home and belongings. The mortgage company will require that you have homeowners insurance and that the coverage on your home has to exceed the mortgage that you are applying for. There are two types of policy that you can get:

Replacement Cost Policy-This policy will allow you to replace, repair or rebuild your damaged property to its original condition, with the same kind and quality materials. That means if you have plaster walls it will be replace with plaster walls. In order to purchase this type of policy you must insure your home for an amount of insurance equal to or greater than 80% of what it would cost to replace your property.

Market value Policy-This type of policy allows you to replace, repair or rebuild your damaged property to a condition similar to what it was before the damage, using modern materials. This means that if you have plaster walls the walls will be replaced with drywall. In order to buy this type of policy, you must buy an amount of insurance equal to the market value. In general this type of policy provides less coverage than a Replacement cost policy.

Take an accurate inventory of your possessions and get an assessment from realtor or your agent to make sure that you are not over insuring your property.

Set your deductible to a level that is high enough that you can afford. The deductible is the amount that you pay on the claim before the insurance starts to pay. The higher the level you set the lower the cost of your insurance will be.

What is covered under Detroit homeowners insurance:

Homeowners insurance can help to protect your personal property against fire, lightning, windstorm, hail, explosion, volcanic eruption, riots, aircraft damage, vandalism, vehicle damage, smoke or theft. You have two choices when it comes to insuring your personal property you can insure your property for the actual cash value (how much it is worth today) or its replacement value (how much it would cost to replace the item). You will have to pay a little more to get the replacement value coverage.

Homeowners insurance can also provide valuable protection if your home is made unlivable due to a loss. Your policy can pay for another place to live while your home is being repaired.

Your homeowners policy can also provide medical payment to others for necessary medical expenses incurred or medically ascertained within 3 years from the date of accident or injury. This coverage does not apply to the insured or regular residents of the household and is $1000, but additional limits can be purchased.

There is coverage to help to protect you in case of a lawsuit due to a liability claim caused by someone being injured in your home or damage to someones property. This coverage will protect you from the lawsuit and also pay for the cost to defend you even if you were deemed to be not at fault. Liability limits start at $100,000, but additional limits may be purchased. Your liability limits should at least exceed the cost of your house and be enough to cover whatever your total assets are.

Detroit Homeowners Insurance Discounts:

Discounts may be given if you have updated certain items in your home such as the heating or cooling systems, plumbing, electrical or if you installed a new roof. Some companies offer additional discounts if you have an indoor sprinkler system, installed a high impact roof (in hail areas) or used fire resistive materials in the construction of your home.

Renewal or Claims Free Discount

Most companies have policies that reward loyalty or offer discounts if you have renewed your with the same company for a number of years. Companies can also offer discounts if you have not made a claims with your company. These discounts will be based on different criteria and will vary from company to company.

New Homeowners Insurance Discount

Insurance companies will give a discount for newly built homes and will usually extend that discount until the home is about 20 years.

Senior Citizens

Many Michigan homeowners insurance companies offer some form of a senior citizens discount, the age requirement might differ from company to company, but could be as early as 50. You should check with your agent to see if this discount is available from your company.

Multi-policy Discounts

Check with your agent to see if your company offers a Multi-policy discount. This policy will reduce your premium if you carry different lines of insurance with the same company. For example, if your auto and home are with the same company both policies will receive a discount.

Deductible

Increase your deductible, you will have to pay more out of pocket to repair damage, but your premiums will be lower.

The Senate passed House Bill 4493 by a vote of 30 to 5 on the last day of the current legislative session. Bill is going to Governor Granholm’s desk for approval.

House Bill 4493 will improve MI GDL law to:

Limit GDL level 2 drivers from having more than one non-family member passenger under age 21. Immediate family members are exempt, as well as travel to and from school and school-sanctioned events. The risk of death increases 158 percent with two passengers and 207 percent with three or more passengers. Prior to this plan, Michigan was one of only eight states without a GDL passenger limit.

Restrict GDL level 2 night driving starting at 10 p.m. and ending at 5 .m. with exceptions for driving to and from work. This only impacts driving hours; it is not a curfew. Night driving between 9 p.m. and 1 a.m., as well as the hours driving to and from school are the deadliest for inexperienced drivers.

Level 1 teen Learner’s License

The teen must be at least 14 years, 9 months old to apply for the Level 1License.

Must have a Certificate of Completion for Segment 1

Must present proof of:

A Social Security number or letter of ineligibility

U.S. citizenship Identity

Michigan residency

Parent/guardian signature required on application

Pass vision screening required by Secretary of State

Availability

Obtain Level 1 License at a Secretary of State branch office

May only drive with licensed parent/guardian or designated licensed adult age 21 or older

Parent/guardian or designated adult should sit in the front seat

If driving with a designated adult, driver should carry a signed letter of authorization from parent/guardian

Level 2 teen Intermediate License

Requirements

Teen is at least 16 years old

Meet physical and medical licensing standards

Possessed a Level 1 License for six months

Completed Segment 1 and 2 of an approved driver education program

Passed a driving skills test and presented a skills test certificate

Must present proof of legal presence. (Proof of a Social Security number, identity and Michigan residency will also be required if it was not provided at Level 1.)

Completed a minimum of 50 hours of supervised driving time, including 10 hours at night

Must be violation and suspension free, and have no at-fault crashes during the 90 days prior to applying for the Level 2 License

Have a parent or legal guardian sign the application and certify the minimum 50 hours of behind-the-wheel driving experience

Availability

Obtain Level 2 License at a Secretary of State branch office (a fee is required)

Restrictions

Between midnight and 5 a.m., teen must drive with a designated licensed adult over age 21 unless driving to and from employment

Parent Option

Parent/guardian has the option of requesting in writing that the teen driver remain at Level 2 and not automatically advance to Level 3 at age 17. Request must be made at least 30 days before teen’s 17th birthday.

Level 3 teen License

Requirements

Teen is at least 17 years old

Held Level 2 License for six months

Must be violation- and suspension-free, and

have no at-fault crashes for 12 consecutive months prior to applying for the Level 3 License

Availability

With parent/guardian approval at Level 2, the Level 3 License is automatically mailed to teen If approval was not given, parent/guardian and teen must go to a Secretary of State branch office

Restrictions

No fee is required

No state-imposed license restrictions

Parent or guardian may restrict or cancel the license

State Farm the biggest insurer of young adults has a safe driving program called Steer Clear® Safe Driver Discount Program, they also have a good student program for teen drivers if you would more information on Michigan teen discounts visit State Farm® Agent Jay online or call 248-888-1134. If you would like other more information on Michigan auto discounts and other teen discounts click on how to save on your Detroit auto insurance.

]]>http://e-detroitinsurance.com/2011/teen-driver-license-requirements-michigan/feed/0429no Teen Driving Law Updated The Senate passed House Bill 4493 by a vote of 30 to 5 on the last day of the current legislative session. Bill is going to Governor Granholm&#8217;s desk for approval. House Bill 4493 will improve MI GDL law to: Limit GDL level Teen Driving Law Updated The Senate passed House Bill 4493 by a vote of 30 to 5 on the last day of the current legislative session. Bill is going to Governor Granholm&#8217;s desk for approval. House Bill 4493 will improve MI GDL law to: Limit GDL level 2 drivers from having more than one . . . &#8594; Read More: Teen Driver License Requirements in Michigan This is a post from E-Detroitinsurance.com Detroit Auto Insurance, Detroit auto insurance, Detroit car insurancehttp://e-detroitinsurance.com/2011/teen-driver-license-requirements-michigan/Michigan helmet law could be repealedhttp://feedproxy.google.com/~r/E-detroitInsurance/~3/OVgiron5MSI/
http://e-detroitinsurance.com/2011/michigan-helmet-law-repealed/#respondSat, 09 Apr 2011 16:20:32 +0000http://e-detroitinsurance.com/?p=425Michigan helmet law could change

Michigan helmet law went into effect on July 27,2000. A new administrative rule took effect. A motorcyclist in Michigan has been and continues to be required to wear a D.O.T.-approved motorcycle helmet on his or her head when operating a motorcycle or when riding as a passenger on a motorcycle. . . . → Read More: Michigan helmet law could be repealed

Michigan helmet law went into effect on July 27,2000. A new administrative rule took effect. A motorcyclist in Michigan has been and continues to be required to wear a D.O.T.-approved motorcycle helmet on his or her head when operating a motorcycle or when riding as a passenger on a motorcycle. This applies to all highways, roads, streets, and other thoroughfares in Michigan.

Michigan is one of 20 states with a helmet law. Democrat Jennifer Granholm vetoed repeal attempts in 2006 and 2008 when she was governor, but with newly elected Governor Rick Synder Republicans feel that there is a chance that it will pass this time. There are two helmet bills in both houses right now. LeBlanc’s proposal, House Bill 2008, would allow riders 21 or older to go helmet less if they carry at least $20,000 in personal injury insurance to cover medical costs in case of an accident. LeBlanc’s proposal, House Bill 2008, would allow riders 21 or older to go helmet less if they carry at least $20,000 in personal injury insurance to cover medical costs in case of an accident. Senate Bill 291, co-sponsored by five Democrats and 12 Republicans, is even simpler: Helmets wouldn’t be required for riders 21 and older who have passed a motorcycle safety course or carried a motorcycle endorsement on their license for the previous two years.

Advocates against the Michigan Helmet law

Office of Highway Safety Planning analysis found that revoking the current Michigan helmet law would result in an additional 30 motorcycle fatalities a year. There would also be 127 more incapacitating injuries, which would cost about $129 million in additional economic cost to Michigan citizens.

Motorcycle safety tips when Michigan helmet law is repealed

Cars and trucks far outnumber motorcycles on the roadways. No matter what type of vehicle you’re driving, everyone needs to follow the rules of the road and watch out for other vehicles. But, drivers of cars and trucks often don’t recognize or see motorcycles. Because of their smaller size, motorcycles may present special concerns for motorists.Motorcycles may look farther away than they really are. When preparing to make a turn, assume that the motorcycle is closer than it appears.

Take extra caution in checking blind spots, as a motorcycle may be hidden from sight by the body of your car or masked by objects such as bushes, fences and bridges.

Motorcycles may appear to be going faster than the rest of the traffic, but don’t assume every motorcyclist is a speed demon.

Motorcyclists can slow down without activating the brake light. Turn signals may not cancel after a turn.

Allow greater distance between your car and a motorcycle for stopping and don’t assume turn signals mean they are going to turn again.

Motorcyclists often adjust their position in a lane so they can be seen more easily, avoid debris or minimize the effects of passing vehicles. Don’t assume that this adjustment is a reckless maneuver.

Although motorcycles have greater maneuverability than cars and trucks, don’t expect a motorcyclist to always be able to dodge out of the way or be able to stop on a dime. Continually scan the road in front of you for all types of vehicles and allow more following distance behind a motorcycle, for your safety and that of the motorcyclist.

For great rates on your motorcycle insurance call 248-888-1134 or visit online Local Michigan agent to get a quote today or go to our site for more updates on Michigan helmet law visit our Detroit Insurance site.

In Michigan under the essential insurance act you cannot be denied Detroit homeowners insurance coverage solely because of the age of your house, its location or the type of neighborhood you live in. However you can be considered ineligible and denied coverage for these reasons:

In Michigan under the essential insurance act you cannot be denied Detroit homeowners insurance coverage solely because of the age of your house, its location or the type of neighborhood you live in. However you can be considered ineligible and denied coverage for these reasons:

Taxes on your property are over 2 years past due.

Within the past 5 years, you have been found guilty of a crime of arson, the use of explosives or destroying property.

The property you want to insure is used for illegal or dangerous purposes.

If your home has a physical condition which presents an extreme likelihood of a significant loss (such as a bad roof)

Within the past 5 years you have been denied a claim based on fraud or arson.

You don’t want to buy the minimum coverage required for the type of policy that you want to buy.

Companies can also refuse to write new policies based on the physical condition of your property, adjacent hazards and property vacancies. Companies may not renew policies if during the past 3 years there is a liability claim in which the insured was negligent, 3 property claims of any type totaling over $4000 ($3000 if they are non weather related) or if the insured fails to correct a dangerous condition after being notified by the company.

Michigan Basic an option for Detroit homeowners insurance

If you are unable to get Detroit homeowners insurance in through the regular market, you can call a Michigan Basic Agent @ 248-888-1134 or click link to be connected to a local Michigan Basic insurance agent to purchase a Michigan Basic Property Insurance Association (MBPIA) to purchase insurance. Michigan Basic was created to provide property insurance to qualified individuals who can’t get Detroit homeowners insurance with another company. If you are qualified, you can get a standard HO-2 or HO-3 policy from Michigan Basic which is the same policy as offered by a regular company.

To qualify for Detroit homeowners insurance with Michigan Basic

You need to own or rent and live in a qualified property

“Qualified Property” means residential property which meets building code standards, is not used for farm or business reasons and is not used for illegal activities.

In order to determine if your property is “qualified”, MBPIA will have your property inspected (at no cost to you). If MBPIA decides that your property is not qualified, you are entitled to a written explanation of why the property does not qualify and what you need to do to make it eligible.

All Michigan Basic Policies are issued for 1 year, which can be renewed on a qualified property for the next two years without another inspection, which could be scheduled at MBPIA’s discretion. If work is required MBPIA can issue a temporary binder for up to 60 days that will insure your property while you are waiting for an inspection or making the repairs to qualify your property.

Michigan Basic offers two types of Detroit homeowners policies

Replacement Cost Policy– This policy will allow you to replace, repair or rebuild your damaged property to its original condition, with the same kind and quality materials. That means if you have plaster walls it will be replace with plaster walls. In order to purchase this type of policy you must insure your home for an amount of insurance equal to or greater than 80% of what it would cost to replace your property.

Repair Cost Policy-This type of policy allows you to replace, repair or rebuild your damaged property to a condition similar to what it was before the damage, using modern materials. This means that if you have plaster walls the walls will be replaced with drywall. In order to buy this type of policy, you must buy an amount of insurance equal to the market value. In general this type of policy provides less coverage than a Replacement cost policy.

Most Michigan Basic policies have to be sold through a local insurance agent. If you have been denied Detroit homeowners insurance coverage through a regular carrier click the link to be connected to a Michigan Basic insurance agent , or call 248-888-1134 if you live in Detroit to see if you will be eligible for a Michigan Basic homeowners insurance policy.